Mortgages Up to 80% for UK Buyers in Spain — No Residency Required
Most Spanish banks lend UK buyers only 60–70% of a property's value. We regularly secure up to 80% — meaning less cash tied up and more property within reach.
Check Your Rate in 2 MinutesRegistered Mortgage Broker with the Bank of Spain (Banco de España, Reg. D378) · Independent advice · No obligation
The difference is in the numbers
Loan-to-Value for UK buyers
- Typical Spanish Bank
- 60–70%
- ACFINAN
- Up to 80%
Cash needed upfront
- Typical Spanish Bank
- 30–40%+ of price
- ACFINAN
- As low as 20%
Language support
- Typical Spanish Bank
- Spanish only
- ACFINAN
- English-speaking team
Application review
- Typical Spanish Bank
- Weeks, often rejected late
- ACFINAN
- Pre-assessed before you apply
How it works
- 1
Free assessment
Tell us about your income and the property. We tell you honestly what's realistic before you spend a penny.
- 2
Document preparation
We tell you exactly what your bank and the Spanish lender will need, translated and formatted correctly the first time.
- 3
Bank negotiation
We approach lenders who specifically work with UK non-resident profiles, not a generic branch that will say no.
- 4
Completion
We coordinate with your notary and lawyer through to signing.
Documents you'll need
As a UK buyer, you'll need a mix of UK and Spanish paperwork. Here's exactly what to prepare — we'll guide you through each one.
- Valid passport
- NIE (Número de Identificación de Extranjero) — we can help you obtain this
See what you could qualify for
A first indicative estimate, in under two minutes.
Frequently asked questions
Yes. Spanish banks continue to lend to British buyers as non-residents. The process has more steps than before Brexit, but financing remains fully available.
What UK buyers say
“We'd been quoted 70% by two Spanish banks already. ACFINAN found us 80%, which meant we didn't have to touch our pension savings.”
“Everything was explained in plain English, no jargon and no pressure. We knew exactly where we stood before we committed to anything.”
“As a company director, I expected the income checks to be a nightmare after Brexit. Their team knew exactly what the bank needed and we completed in under two months.”
Ready to see what you actually qualify for?
Get a clear, honest answer in one short call — no obligation, no jargon.